No insurance needed - only thing I need to do is smack you both upside the head and I'll be feeling all better!!Well lie down on the couch, we'll have someone in real soon to explain how it's not yer fault, butit ain't Garth's and mine either.
See my Mom spanked me with a wooden spoon when I was bad and it messed me up for life. Garth's Mom didn't and it messed him up for life.
BTW will yer insurance pay for this treatment?